Dec 28, 2022
Industry Forecast 2023: The Coming Year in InsuranceOur experts discuss market trends in the insurance industry and look ahead to 2023 in this year's edition of the Industry Forecast 2023.
With generations of combined experience, our advocates at Morris & Garritano have a deep and personal understanding of the unique demands and protocols of operating wineries and other related agricultural businesses. From our personalized services to developing customized programs, our team offers specialized care to both earn your trust and exceed your expectations.
Our Winery Account Management Team services a wide and diverse range of industry clients with deep roots in the wine and agricultural business. A trusted name and industry leader, we have a proven track record of providing our clients peace of mind. By learning about your unique operations and understanding the needs of your organization, our risk advisors are dedicated to providing the best service possible.
When it comes to wineries, vineyard estates, and custom crush facilities, our specialized insurance program provides niche-specific coverage to give meaningful value to vintners throughout the United States. Our advisors are poised to navigate even the most challenging of markets to advocate for your needs.
With Morris & Garritano, you’ll have access to our premier service team with dedicated resources in Claims Support, HR, Risk Management, and Workers’ Compensation. By working closely with your carrier and utilizing our strong relationships, we will determine the areas of service that provide your company with the most benefit while making sure you receive individualized care and support when needed.
Program Highlights
- Admitted and Non-Admitted “A” Rated Carriers
- Competitive Pricing
- Coverage for Spoilage, Contamination, and Leakage (based on Market Price or Scheduled Values)
- Property in Transit Coverage
- Separate Liquor Liability Limit
- Product Withdrawal Expense
- Winemaker’s Errors & Omissions
Providing the Best Service for Your Unique Exposures
- Wine and Cider Production & Storage
- Custom Crush
- Tasting Rooms
- Restaurants, Catering, and Special Events
- B&B or Guest Homes
- Residential and Farm Exposures
Comprehensive Coverage
Beyond our premier wine program, we offer various lines of coverage that pertain to all elements of your business including:
- Workers’ Compensation
- Directors & Officers
- Employment Practices Liability
- Employee Benefits
- Earthquake
- Flood
- Cyber Liability
- Foreign Packages
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The Basics of Fiduciary Liability CoverageTo keep your business operations and employees protected and secured, it’s important to have proper coverage for Directors & Officers liability and Employment Practices liability.
